RESIDENTIAL INSURANCE

FREQUENTLY ASKED QUESTIONS

WHAT'S COVERED IN A PROPERTY POLICY?

Property policies separate losses into various types, each with its own conditions and limitations.

Personal Property - most of the normal contents of your home, from linens
to electronics, are considered Personal Property.

Real Property - buildings and land are considered Real Property. A fire in your home
can damage both the structure-

(Real Property) and the contents of the home (Personal Property).

Liability - your responsibility to other people when they suffer loss or injury due to your
negligence. Liability coverage extends to most everyday life situations but does not
include, for example, liability resulting from the use of an automobile.

WHAT CAN I DO BEFORE A CLAIM?

Check that you have safety equipment installed and in working order. Fire and carbon monoxide
detectors, fire extinguishers, escape plans, deadbolts on doors and locked
windows help to protect both your family and your property.

It also helps to know what you have in your home. Make a list of personal belongings in each room.
Consider taking photographs or a video tape to keep with the list. If you'd like to assure yourself
you have enough insurance coverage, consider totaling the values of all listed items and
comparing the result to your "Contents" coverage limit. Feel free to call us if you
have any questions or wish to revise your coverages.

WHAT IF I HAVE A LOSS?

The risks to property are many and varied - theft, fire and flood, to name few. Your response depends
on the type of loss you face but here are some hints to get you started. Regardless of the type
of loss, report it to us right away. The sooner that we are aware of your claim, the better we
can serve you or protect your interests.

If you have a theft or vandalism claim, report the loss immediately to the police.

If your property is damaged, do what you can to protect it from further damage.
Reasonable expenses will be reimbursed.

Assemble any receipts, warrantee documents and other proofs of ownership for lost
or damaged property.Retain any receipts for expenses or replaced property.

WHAT IF I CAN'T STAY IN MY HOME?

After a loss, your home may not be habitable. Your insurance will pay for the increased costs
of temporary lodging until you are able to return.

HOW CAN I REPORT A CLAIM?

Call your us at your earliest opportunity.

Click here to go to the electronic claims form for easy email transfer to us

You'll need:
Your personal information.

Your policy number.

The date, time and description of the loss (fire, theft etc.)

Particulars of the property damaged or stolen.

Details on any police or fire authorities involved.

As your independent broker we are an integral part of the claim team. Not only can we help you initiate a claim but we can also address any concerns about the effect of a claim on your policy or coverage.

WHAT IS A DEDUCTIBLE?

All property policies incorporate a deductible of some description. Insurance is designed to protect people
from losses they cannot afford. Adjusting many very small losses would be very expensive and would
unnecessarily increase premiums. Therefore, when you buy a policy, you agree to pay the first
portion of any loss. This deductible applies only once per occurrence, regardless of how
many items are claimed. For example, if your deductible is $500 and you total covered claim
is $2,000, your insurer would pay you $1,500.

TALK TO US

This is basic information for home insurance. Everyone has their own specific insurance needs...
we're here to ensure that your insurance policy meets your exact requirements.